Senath State Bank

Overview / Commentary

www.senathstatebank.com

573-738-2646

117 East Commercial Street
Senath, MO 63876

Senath State Bank is headquartered in Senath and is the 205^th largest bank in the state of Missouri. It is also the 4,416^th largest bank in the nation. It was established in 1935 and as of December of 2018, it had grown to 18 employees at 3 locations. Senath State Bank's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Senath State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	15101
Year Established	1935
Employees	18
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.95%
Return on Equity - YTD	13.45%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$81.9MM$80.6MM
Loans	Q4 2018vs Q4 2017	$43.5MM$42.8MM
Deposits	Q4 2018vs Q4 2017	$70.0MM$69.2MM
Equity Capital	Q4 2018vs Q4 2017	$11.9MM$11.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$772.00K$794.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$346.00K$302.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Senath State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Savings

Senath State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.25% → Up to $10k \| 0.60% → $10k - $25k \| 0.65% → $25k - $50k \| 0.70% → $50k - $100k

Senath State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.97%	-	-	NOW Account

Senath State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%	-	-	60 Month CD
2.37%	-	-	48 Month CD
2.32%	-	-	36 Month CD
2.27%	-	-	30 Month CD
2.22%	-	-	24 Month CD
1.97%	-	-	18 Month CD
1.87%	-	-	12 Month CD
1.51%	-	-	6 Month CD
0.80%	-	-	3 Month CD

Senath State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%	-	-	60 Month IRA
2.37%	-	-	48 Month IRA
2.32%	-	-	36 Month IRA
2.27%	-	-	30 Month IRA
2.22%	-	-	24 Month IRA
1.97%	-	-	18 Month IRA
1.87%	-	-	12 Month IRA
1.51%	-	-	6 Month IRA
0.80%	-	-	3 Month IRA

Locations

Senath State Bank Locations
Kennett Branch	1112 First Street	Kennett, MO 63857
Senath State Bank	117 East Commercial Street	Senath, MO 63876
Drive-In Branch	202 North East Frisco Street	Arbyrd, MO 63821

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